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2008 Dental Survey
Welcome to Part 1 of California Broker’s 2008 Dental Survey. We’ve asked the top dental providers in California to answer 28 crucial questions to better help you, the agent, understand their benefits, features, and services. Look for Part II in the August issue. Read the responses and sell accordingly.
1. What types of plans do you offer?
2. How do plans for individuals and\or small groups compare in rates and benefits to large-group plans? 3. Is your plan better than previous incarnations?
Get the answers....
Term Survey—An Overview of the State's Term Insurance Market
1. What percentage of the cases you underwrote last year were issued at your top two preferred non-smoker classes?
2. What percentage of the cases you underwrote last year were issued at your top two standard nonsmoker classes?
Get the answers....
HSA Survey—HSAs role in
the California Marketplace
1. What are the primary services you offer as part of your HSA product?
2. Do you offer an HSA-qualifying high deductible health insurance plan?
Get the answers....
HMO Survey—HMO Services
and Pratices Statewide.
1. Do you guarantee a time limit on getting referral/treatment routine, urgent, emergency? If not, how many days does it take?
2. Do you have any conditions/diagnoses/symptoms that are referred automatically?
Get the answers...
PPO Survey—PPOs in California answer direct questions about their plans.
1. Is an approval procedure required for getting a specialist referral or a diagnostic test or treatment in-network or out-of-network?
2. Are there any restrictions on getting second opinions from an in-network provider or an out-of-network provider?
Get the answers....
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 IN CALIFORNIA
• Many Blue Collar Workers Are Uninsured
• State Settles With Blue Shield and Anthem Blue Cross
NEW PRODUCTS
• Annuity
• HR Guidance
• Vision Insurance Plans
• Online International Major Medical
• Online High Limit Accident Insurance
Cancer Plan
EMPLOYEE BENEFITS
• Small Carriers Increase Voluntary Sales
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HEALTHCARE
• AHIP Gets Flack for Community Relations Efforts
• Test Driving Medical Travel
• Investing in Disease Prevention Pays Off
• How Employers are Responding to HMO Premiums
FINANCIAL PLANNING
• Why Women Worry More About Retirement
LIFE INSURANCE
• Only Universal Life Sales Show Growth in the First Quarter
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Putting It All Together
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By Kate Kinkade, CLU, ChFC
A perusal of California Broker news items highlights the challenge California is facing with the rest of the country when it comes to healthcare. Putting the items together provides a daunting picture:
Click Here for More.
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Would You Like to See Your Name & Company in Print?
Submit an Article Query to California Broker!
We are always interested in well-presented information on life, health and financial planning topics. Specifically, we're seeking professionals with expertise in the following areas: All Life and Health Insurance issues, Products, Annuities (TSAs, SPDAs, ETC.), TPAs, Individual Health, Continuing Education, Long-Term Care, Dental, Internet Issues. If you have a specific idea or if you would like us to consider a general topic, please e-mail a one-paragraph query to:
Leila Morris, Editor's California Broker/McGee Publishers
E-mail: editor@calbrokermag.com
Phone: 800-675-7593 ext. 12
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If you have any questions or would like to see any other surveys, please e-mail to Leila Morris or call her directly at: 800-675-7563.
Email: edit@calbrokermag.com
We are happy to hear back from you with any comments.
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